PSM Brokerage review for agents: contracting, pay, release terms and leads

PSM suits agencies that want to build a downline. Before signing, ask PSM which carriers pay you directly and get renewal vesting terms in writing. PSM does not publish them carrier by carrier.

Independent agents and agencies contract with PSM Brokerage, whose legal entity is Precision Senior Marketing LLC. Agents can place some or all of their contracts through PSM, so the usual chain is you, then PSM, then the carrier, with an agency in between when you join through one. Agent Academy has a path for agents building an agency.

PSM says agents who already hold carrier contracts can call for help walking through transfer options.

PSM says it holds the highest contracts available nationwide and only offers direct company contracts.

PSM's commission training says 2026 Medicare Advantage national CMS maximums are $694 initial and $347 renewal. It gives typical life ranges of 60% to 120% of target premium in year one and 2% to 10% in years two through ten or beyond, with ancillary ranges of 15% to 25% in year one and 5% to 10% for renewals. Life contract levels can be negotiated based on volume.

Its training explains that the gap between the carrier package and the agent rate funds release, contracting, back office support and training.

No carrier by carrier pay path is published.

Carrier release, transfer, timing, debt and blackout rules still apply, and each carrier may require its own forms, notice or waiting period.

Book ownership, renewals and client data access depend on the applicable contracts, and PSM's Medicare tools include a client download feature.

PSM's published Mutual of Omaha contracting packet offers as-earned and advance elections, subject to written carrier and master general agency approval.

PSM lists Medicare Advantage, Medicare Supplement, Part D, ACA, life, annuity and ancillary products such as dental, accident, cancer and hospital indemnity. ACA carriers include Ambetter, Anthem, Cigna, Molina, Oscar and UHC. Medicare carriers include Aetna, Aflac, Anthem, Cigna, Devoted Health and Florida Blue.

LeadStar, powered by EnrollHere, offers real-time exclusive data leads, inbound and warm-transfer calls, aged leads and pre-set appointments. LeadStar advertises no startup costs or overhead.

PSM advertises back office support and a CRM, but its recurring fee is not published. PSM agents use SunFire for Medicare quoting and enrollment at no cost with PSM Medicare contracts, including downline agents. PSM also offers HealthSherpa for ACA, iPipeline e-SSENTIALS for life, the One Agent CRM and AgentXcelerator contracting.

PSM Agent Academy has three paths for new agents, growing producers and agency builders, and PSM charges no training fee to any independent agent. The agent dashboard links weekly webinars, and PSM advertises mentorship and a dedicated account manager.

PSM says life contract levels can be negotiated based on volume.

Agents contract online through AgentXcelerator, and a PSM marketing consultant reaches out within 24 hours of the contact form. PSM says it charges no relationship fee. Some carriers charge state appointment fees, and PSM does not publish who pays each carrier fee.

PSM estimates two to three weeks from clean paperwork with active E&O and a clear background check. Medicare Advantage and Part D need AHIP and carrier training, and PSM gives a $50 AHIP discount. PSM offers agents access to discounted E&O through its vendor.

The vendor sets the policy price and terms. Most carriers require active E&O, with a starting point of $1 million for each claim and $1 million in the aggregate.

PSM is an AmeriLife company and operates as a distinct FMO. PSM does not run a consumer enrollment portal.

CMS caps what Medicare Advantage and Part D plans may pay agents each plan year, and your real pay comes from your carrier contract and upline (CMS compensation limits (opens in a new tab)).

Does PSM Brokerage charge a fee?

PSM says it does not charge a fee for the relationship. Some carriers charge resident or non-resident state appointment fees.

Will PSM release me if I want to leave?

Its model includes an open release policy. Each carrier's release, transfer and blackout rules still apply.

Is SunFire free with PSM?

PSM says SunFire has no cost for agents with PSM Medicare contracts, including downline agents.

Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan PSM Brokerage quit selling or a contract term that reads different now, let us know and send the link to the page where PSM Brokerage has it. Somebody here pulls up that page and checks it before we change anything on ours.